The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,047
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,550/mo
Today · 4.125%
HK$52,123
baseline
▲ 0.50% · 4.625%
HK$55,294
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,246/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,564
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,028
−HK$1,484/mo
Today · 4.125%
HK$57,512
baseline
▲ 0.50% · 4.625%
HK$60,544
+HK$3,032/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,024/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,856
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,687
−HK$1,860/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$66,353
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,477
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,233
−HK$1,782/mo
Today · 4.125%
HK$69,015
baseline
▲ 0.50% · 4.625%
HK$72,653
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$138,030/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,666
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,802
−HK$2,170/mo
Today · 4.125%
HK$72,972
baseline
▲ 0.50% · 4.625%
HK$77,412
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,944/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,390
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,439
−HK$2,078/mo
Today · 4.125%
HK$80,517
baseline
▲ 0.50% · 4.625%
HK$84,761
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,034/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,285
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,031
−HK$2,790/mo
Today · 4.125%
HK$93,821
baseline
▲ 0.50% · 4.625%
HK$99,530
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,642/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,216
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,850
−HK$2,672/mo
Today · 4.125%
HK$103,522
baseline
▲ 0.50% · 4.625%
HK$108,979
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,044/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,944 · Scale 2, in force from 26 Feb 2026)